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Lets be honest most of the people who are gonna b i tch and complain about this tax credit are the ones who bought their homes thinking they will use it like a temporary investment for huge gains in a short time like the lottery. Housing values went from 1 - 3 times what they should have been, so many people thought they were gonna buy low and sell high and in 3-5 years will be able to pay off the college tuition of their children or they were near retirement and wanted some extra funds when they sold.
I'm not gonna badmouth them for doing it but they also don't need the sympathy either. They took a chance and their numbers didn't come up. No different then the worker who's salary is anywhere from poor to middle class that buys obscene amounts of lotto tickets because they don't want to work anymore. It's a big gamble that if it pays off great but if not your in trouble. The odds are stacked against you and it's nobody's fault but your own.
This credit just might actually work in their favor to get those extra funds they were looking for